BOBCARDBOBCARD Premier Credit Card
The BOBCARD Premier Credit Card is Bank of Baroda's mid-tier rewards card offering 5 Reward Points per ₹100 on dining, travel, and international spends, and 2.
Top Category Performance
Online Shopping (84/100)
Joining Fee
₹1,000
Annual Fee
₹1,000
Reward Rate (%)
2 – 10
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
20/25
Lounge & Perks
11/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
BOBCARD Premier Credit Card Benefits
BOBCARD Premier Credit Card Rewards
How you earn back on every swipe
points
Reward type
2% – 10%
Earn rate
2
Points / ₹100
₹0.25
Per point
BOBCARD Premier Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
BOBCARD Premier Credit Card Lounge Access
Airport perks included with this card
1 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- fuel transactions earn no reward points
- select MCCs excluded from rewards
- fuel surcharge GST not reversed
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹10,000/mo (₹1,20,000/yr), your ₹1,000 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
BOBCARD Premier Credit Card Eligibility
Employment type
Pros & Cons
- 5 Reward Points per ₹100 on dining, travel, and international spends
- 2.5 Reward Points per ₹100 on all other eligible retail spends
- 2 complimentary domestic airport lounge visits per quarter via DreamFolks
- Annual fee waived on ₹1.5 lakh annual spend
- 1% fuel surcharge waiver at petrol pumps
- 500 bonus reward points on welcome
- Reward points redeemable as cashback
- No international lounge access
Who is this card for?
Regular diners and occasional travellers who want a mid-range Bank of Baroda card with quarterly lounge access and accelerated rewards on lifestyle categories.
Quick Links
Data last updated 9 Aug 2026
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More from BOBCARD
Calculate your exact earnings with BOBCARD Premier Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.